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Halifax Total Mortgage Protection Plan PPI reclamation ?
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Now I know that is wrong, but how do you prove that the conversation took place?
Rarely can you prove it which is why most complaints with that reason alone fail.How do you prove that you wouldn't have refused it had you been given the option?
same as above.From what I have read, the fact that I was in a secure, well paid job with generous sickness benefits etc etc doesn't seem to factor.
It is a factor if the PPI wouldnt have paid out in addition to benefits (some types do not). However, most MPPI does pay out in addition to employer benefits.So we seem to be in a situation where I claim one thing, they deny it.. The main difference being, I was there... the person replying to the complaint wasn't...
You could be telling lies. Around half of PPI complaints dont have PPI and they allege the same things you have. In the UK you are innocent until proven guilty. You are making an allegation. They cannot just believe you. (I'm not saying you are telling lies but just indicating that they cant just accept what you are saying as gospel. You may have forgotten. You may have got mixed up or misheard. For example, life assurance was compulsory with many lenders until the late 90s, early 2000s. Maybe you are thinking of that..)I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Hi,
I wonder if anyone could help me. I had TMPP mortgage protection with my Halifax mortgage. I was told that I had to take out payment protection with Halifax if I wanted a mortgage.
I sent in the standard complaint form and received a rather complicated reply. The main bit saying that my personal TMPP only contained the Life Cover element and no PPI element and therefore they cannot investigate the complaint that I have raised and that it is their final decision.
Is there anything else I can do as I really feel that I Was miss-sold the policy because as my mortgage balance went down I still had life cover for the original balance. I thought that I had mortgage protection to pay the balance of my mortgage off if anything happened to me.
I hope that this makes sense and that someone can help me."Women are made to be loved, not understood - Oscar Wilde .
A big thank you to all the fab people that take the time to post bargains :beer:0 -
I was told that I had to take out payment protection with Halifax if I wanted a mortgage.
Who told you that because your post says you dont have payment protection?Is there anything else I can do as I really feel that I Was miss-sold the policy because as my mortgage balance went down I still had life cover for the original balance.
It is hard to see how you have been mis-sold as you are saying one thing but you dont have the product you are complaining about. life assurance is not payment protection. So, it makes you very unreliable. Plus, the vast majority of the population have life assurance on their mortgages. Any reason why you think you should be different? You could be. If you are single, living along and have no financial dependants then you could have a good argument for having no financial need for it. However, if you have children or are living with someone then that is game over as far as any complaint is concerned.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I have a complaint for mis sold TMP currently with Halifax
Backed up with employers salary and benefit details which the advisor took and copied to confirm salary ( and associated benefits)
I had better sick pay conditions than the tmp policy, and 4x salary death in service and life insurance.
First joint mtg as married couple in 2000 and told it was compulsory to take it Realise we cant prove this.
Just waiting for the halifax to wiggle out of it now0 -
Ladyinwaiting wrote: »I have a complaint for mis sold TMP currently with Halifax
Backed up with employers salary and benefit details which the advisor took and copied to confirm salary ( and associated benefits)
I had better sick pay conditions than the tmp policy, and 4x salary death in service and life insurance.
First joint mtg as married couple in 2000 and told it was compulsory to take it Realise we cant prove this.
Just waiting for the halifax to wiggle out of it now
Halifax could easily wriggle out of it. Just in the last few weeks, the FOS ruled on an MPPI case where employer had 6 months full pay, 6 months half pay and they rejected the case.
Things like death in service also have no impact on MPPI.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Halifax could easily wriggle out of it. Just in the last few weeks, the FOS ruled on an MPPI case where employer had 6 months full pay, 6 months half pay and they rejected the case.
Things like death in service also have no impact on MPPI.
Thanks for your response.
My sickness benefit at work was 18mths thru income protection. This is more than the tmp benefit on policy!
Life insurance provided by work also.
Death in service = 4 times salary which was more than mtg
I have reiterated that I had better cover in place.
I will post back and see which way halifax jump
Best wishes.0 -
My sickness benefit at work was 18mths thru income protection. This is more than the tmp benefit on policy!
That is extremely rare but as mentioned, with MPPI, that doesnt seem to be an issue as unlike loan & credit card PPI, MPPI will pay out in addition to these.Death in service = 4 times salary which was more than mtg
Has no impact on PPI. PPI doesnt include payout on death. Even if you had life assurance, it would not matter. Death in service is a discretionary payout and it is primarily for lost pension benefits and short term income loss. Not enough for the average household where figures closer to 10x are frequently common.
Not saying you shouldnt continue to pursue it. Banks are very scattergun in their approach. So, you can never call what the outcome will be with them. However, if they wanted to, they could easily support the sale.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Hi All,
Slightly weird one, this. I challenged Halifax on PPI sold with home insurance back in the early noughties, when I had my first property, mortgaged with Halifax, which also contained TMPP payments.
I've long since ceased to be a Halifax customer (but bank with Lloyds so inside the group, sort of). Anyway, last week, out of the blue, a letter from Halifax, specifically from a 'TMPP Administration Unit', arrived requesting I visit a Halifax branch and get them to certify two forms of ID, and then fill out an application, "as part of our ongoing policy review, their may be a refund due on the above policy. Since the policy ended some time ago, you can participate in the review by confirming that you're the policyholder(s) we're looking for."
It's all legit, as confirmed by Halifax branch today.
Does this mean that Halifax are proactively seeking to reimburse on missold PPI/TMPP?0 -
Does this mean that Halifax are proactively seeking to reimburse on missold PPI/TMPP?
Possibly but its more likely that it is linked to a CCL (invite to complain).I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Hello Sulphur Man
My husband also received a letter this week re a possible 'refund of premiums' for TMPP on a mortgage which ran from 96-07. It included the policy number and he took his ID into branch yesterday.
He was unaware that he had had any PPI (he thought that the TMPP was just critical illness and life assurance) so this was a real surprise to him, however as they are quoting the policy number we are supposing that there must have been.
I don't know about you but we thought that the letter certainly does read as though they are intending to refund something! Wording and faqs seem to suggest so. My husband does not even remember how much his TMPP premiums were (they were taken with the mortgage payment) so we are in the dark really.
It would be interesting to hear how you get on0
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